Waco-area carriers, real enrollment data, free quotes from a licensed Texas agent.
✓ Free • no obligation • about 90 seconds
Matt Giron
Licensed in Texas
McLennan County, TX has 50,242 Medicare beneficiaries per CMS Q1 2024 data, with about 54% enrolled in Medicare Advantage. The top medicare advantage carriers are Humana Gold Plus H4007, Baylor Scott & White Medicare Advantage, UnitedHealthcare AARP Medicare Advantage Plan 1. We compare these plans for free and never charge a fee.
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About 54% of McLennan County's 50,242 Medicare beneficiaries are in Medicare Advantage — right around the national norm — so you'll find a genuine mix of competitive MA plans and Medigap options here rather than a one-sided market. Only 14% of McLennan residents are 65 or older, so it's a younger county where fewer agents specialize in Medicare locally — exactly the gap a dedicated Texas agent fills. Humana Gold Plus H4007 currently leads the county by enrollment, but the lowest total-cost plan for your specific drugs and doctors is often a smaller carrier — which is why we run all of them side by side instead of pushing the biggest name. Right now roughly 23 Medicare Advantage plans are available in McLennan County, so a side-by-side comparison genuinely matters. Medicare Advantage enrollment figures reflect the latest CMS data (May 2026).
What makes McLennan County different: Waco — Baylor Scott & White system dominates the local MA market. Strong dual-eligible (D-SNP) demand.
Humana Gold Plus H4007 (HMO)
4-star CMS rating
Baylor Scott & White Medicare Advantage (HMO)
4-star CMS rating
UnitedHealthcare AARP Medicare Advantage Plan 1 (HMO)
4-star CMS rating
Source: CMS Monthly MA Enrollment by State/County/Contract (latest Q1 2024). Enrollment figures refresh monthly at data.cms.gov.
Each Medicare Advantage plan builds its own provider network — a hospital that's in-network on one plan may be out-of-network on another. McLennan County has 3 major hospital systems. Before you enroll, check that your preferred hospital and physicians participate in the specific plan you're considering.
Call each hospital's billing office directly — or use the carrier's network tool on the right to search by hospital name.
Free help in McLennan County: TX HICAP — Heart of Texas Council of Governments — call 1-800-252-9240. SHIP counselors offer free unbiased Medicare guidance and can run network checks at no cost.
Or skip the cross-checking — we run network checks against your prescriptions and doctors at no cost during any consult.
131 daysuntil open
Outside the windows, Special Enrollment Periods (SEP) still let you change plans if you moved, lost coverage, qualify for Extra Help / dual eligible, or had a plan terminated. Call to see if you qualify.
Check SEP eligibility (15-min) →Pick a time on Matt's calendar — 15 minutes, no sales pressure, no obligation. We'll walk through the McLennan County plans that fit your situation.
About 50,242 Texans in McLennan County are enrolled in Medicare as of May 2026 CMS data. About 54% are in Medicare Advantage plans; the rest are in Original Medicare (with or without Medigap).
The largest carriers in McLennan County are Humana Gold Plus H4007 (HMO), Baylor Scott & White Medicare Advantage (HMO), UnitedHealthcare AARP Medicare Advantage Plan 1 (HMO). We work with all of them and a few smaller carriers that often have better rates for specific situations.
TX HICAP — Heart of Texas Council of Governments (1-800-252-9240) provides free unbiased Medicare counseling. Major hospitals in the county include Baylor Scott & White Hillcrest Medical Center, Ascension Providence Hospital Waco, Baylor Scott & White Medical Center–Waco.
As of May 2026, about 23 Medicare Advantage plans are available to McLennan County residents, led by UnitedHealth Group, Inc., Baylor Scott & White Health, Humana Inc., CVS Health Corporation. We compare all of them side by side at no cost.
In McLennan County, the Baylor Scott & White system significantly dominates the MA market, offering a wide range of plans. Many seniors benefit from their strong local network and comprehensive coverage.
For 2023 enrollment, you can join or switch to a Medicare Advantage plan during the Annual Enrollment Period (AEP) from Oct 15 to Dec 7. You can also make changes outside this period if you have a Special Enrollment Period due to life events.
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